the economy in an environment, it's difficult to reduce expenses because a lot of expenses of liquids and economic situation that one related to unemployment benefits. in terms of the financial sector, we have to address a problem of pressure, sending, a problem of capacity and a problem of governance and transparency. most of this issue aren't linked with the savings banks. by definition, they were operating with a degree of concentration with real estate, but there's a lot of albums for these things. in terms of funding, there was working with a stronger to touchÉ and with the capacity in the course of 10 minutes a weaker segment of the sector was much more effective to as a problem throughout the system overcapacity. this is at the overcapacity in the spanish financial site are we'll be in the region of 30%. in this problem is going to be address because as a result of the injection of private sector money, the process is going to take in terms of their restructuring of the sector and is going to alter banks that have been the objects of private sector money injection to restructu